Find Cheap Mer Rouge Auto Insurance

Comparing Mer Rouge auto insurance rates online is challenging if you are a beginner to online quotes. But don't be discouraged because there is an easy way to compare rates.

It's important to do rate comparisons occasionally since insurance rates are constantly changing. Despite the fact that you may have had the best deal last year you will most likely find a better rate today. So forget anything you know (or think you know) about auto insurance because it's time to teach you the proper way to remove unneeded coverages and save money.

Save big with these discounts

The cost of insuring your cars can be expensive, but you may find discounts to cut the cost considerably. Some discounts apply automatically when you quote, but some must be asked for prior to getting the savings.

College Student - Children who live away from home and do not have access to a covered vehicle may qualify for this discount.
Anti-lock Brake Discount - Cars that have steering control and anti-lock brakes can reduce accidents and earn discounts up to 10%.
Senior Discount - If you qualify as a senior citizen, you may be able to get reduced rates.
Anti-theft Discount - Anti-theft and alarm systems prevent vehicle theft and will save you 10% or more.
Driver Safety - Completing a course teaching defensive driving skills can save you 5% or more if you qualify.
Payment Method - If you pay your bill all at once instead of monthly or quarterly installments you can actually save on your bill.

A little note about advertised discounts, most credits do not apply to your bottom line cost. Some only apply to individual premiums such as liability, collision or medical payments. So despite the fact that it appears all the discounts add up to a free policy, you won't be that lucky. Any amount of discount will bring down your overall premium however.

But I don't know anything about car insurance

When it comes to buying proper insurance coverage for your vehicles, there isn't really a single plan that fits everyone. Everyone's needs are different.

These are some specific questions might point out if your situation may require specific advice.

What are Louisiana no-fault laws?
Do I need PIP (personal injury protection) coverage in Louisiana?
Why does it cost so much to insure a teen driver in Mer Rouge?
Should I put collision coverage on all my vehicles?
Am I covered if I drive in a foreign country?
Does my personal auto insurance policy cover using my vehicle for business use?
Do I really need UM/UIM coverage?

If you don't know the answers to these questions, you may need to chat with an agent. If you want to speak to an agent in your area, fill out this quick form.

Auto insurance ads bend the truth

Auto insurance companies such as Progressive, GEICO, Allstate and State Farm continually stream ads on TV and radio. They all seem to say the same thing about savings after switching to them. How does each company say the same thing?

All companies have a certain "appetite" for the type of driver that earns them a profit. An example of a desirable insured might be profiled as over the age of 50, owns a home, and has great credit. A propective insured who fits that profile will qualify for the lowest rates and most likely will save when switching.

Potential customers who fall outside these standards will have to pay a higher premium which usually ends up with business not being written. The ad wording is "customers that switch" not "people who quote" save money. That is how companies can truthfully advertise the savings.

Because of the profiling, you should get a wide range of price quotes. It's not possible to predict which company will give you the biggest savings.

For more Louisiana car insurance information

Additional information is available on the Louisiana Department of Insurance website located here. Louisiana drivers can read enforcement actions against agents and companies, read consumer alerts, and learn about insurance regulations.

Do the work, save more money

As you prepare to switch companies, it's very important that you do not buy lower coverage limits just to save a few bucks. There are many occasions where an insured cut liability limits or collision coverage only to find out that the small savings ended up costing them much more. Your aim should be to get the best coverage possible at a price you can afford.

Consumers change insurance companies for a number of reasons such as not issuing a premium refund, policy cancellation, denial of a claim and even policy non-renewal. Whatever your reason, choosing a new insurance company is less work than it seems.

Cheaper auto insurance can be bought on the web and with local Mer Rouge insurance agents, and you should be comparing both to have the best rate selection. There are still a few companies who do not offer you the ability to get quotes online and most of the time these smaller companies sell through independent agents.